数字普惠金融促进农村居民创业了吗?——基于互联网支付能力和社会网络双重视角
Does Digital Inclusive Finance Promote Entrepreneurship among Rural Residents?——Based on the Dual Perspectives of Internet Payment Ability and Social Network
李春霄 1张艺婷1
作者信息
- 1. 西安石油大学经济管理学院,陕西西安 710065
- 折叠
摘要
基于我国2015年、2017年及2019年家庭金融调查数据(CHFS)与数字普惠金融指数,深入探讨数字普惠金融对农村居民创业活动的影响.研究发现:数字普惠金融对农村居民创业具有显著正向影响;数字普惠金融通过互联网支付能力的提升和社会网络传递间接影响农村居民创业;数字普惠金融对中年组农村居民创业的影响更显著,能促进具有低等和中等金融素养水平的农村居民创业,对东部地区农村居民创业具有显著促进作用.
Abstract
Based on the Household Finance Survey data(CHFS)and Digital financial Inclusion Index in 2015,2017 and 2019,this paper studies the impact of digital financial inclusion on rural residents'entrepre-neurship..The results show that digital inclusive finance has a significant positive impact on rural residents'en-trepreneurship;Digital inclusive finance indirectly affects rural residents'entrepreneurship through the improve-ment of Internet payment ability and social network transmission.Digital financial inclusion has a more signifi-cant impact on the entrepreneurship of middle-aged rural residents,which can promote the entrepreneurship of rural residents with low and medium financial literacy level,and has a significant promoting effect on the en-trepreneurship of rural residents in the eastern region.
关键词
数字普惠金融/农村居民创业/互联网支付能力/社会网络/金融排斥Key words
digital inclusive finance/rural residents'entrepreneurship/internet payment ability/social networks/financial exclusion引用本文复制引用
出版年
2024
国家科技期刊平台
NSTL
万方数据